Cheapest Car Insurance Quotes in Cortland West

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Cortland West Car Insurance

^$ 34

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Cortland West

The car insurance rate in Cortland West is $792 for a six-month policy, which is $237 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $425, making it a popular choice for budget-conscious drivers. Rates in Cortland West can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Cortland West

$792

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Cortland West

1st place: Kemper

At $425 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $563 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $567 for six months, making it the third cheapest auto insurance company in Cortland West.

Cortland West Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cortland West, NY is Kemper, offering policies at just $425 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $563.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1184 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cortland West drivers find the best deals.

Cheap Car Insurance Companies in Cortland West, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$425	$72
New York Central Mutual Fire	$563	$94
Progressive	$567	$95
American Family	$658	$111
NYCM	$691	$116
Erie	$828	$138
Nationwide	$832	$142
USAA	$837	$141
State Farm	$1038	$175
Travelers	$1093	$184
Allstate	$1184	$199

Key Takeaways

Way's key takeaways about car insurance in Cortland West

The auto insurance costs in Cortland West fall around $425 for six months.
The cheapest auto insurance company in Cortland West is New York Central Mutual Fire.
Teen drivers pay the highest rate in Cortland West at $604 per month.

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Cheapest Minimum Liability Car Insurance in Cortland West

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Cortland West are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Cortland West. Their Average 6 Month Premium is $201. Preferred Mutual is the most expensive at $531 for the same period.

Cheapest Liability Coverage in Cortland West, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$201	$34
NYCM	$210	$35
Kemper	$247	$41
Progressive	$293	$49
American Family	$297	$50
USAA	$361	$61
Nationwide	$384	$64
Erie	$485	$82
State Farm	$563	$95
Travelers	$604	$102
Allstate	$631	$106
Utica National	$439	$75
Preferred Mutual	$531	$89

Cheapest Full Coverage Car Insurance in Cortland West

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Cortland West is Kemper at $72 per month and $425 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cortland West, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$425	$72
New York Central Mutual Fire	$563	$94
Progressive	$567	$95
American Family	$658	$111
NYCM	$691	$116
Erie	$828	$138
Nationwide	$832	$142
USAA	$837	$141
State Farm	$1038	$175
Travelers	$1093	$184
Allstate	$1184	$199

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Average Car Insurance in Cortland West by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Cortland West, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Cortland West, New York, may be increasing due to several external factors. New York has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Cortland West's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Cortland West

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	National Grange Mutual	$434
30s	National Grange Mutual	$309
40s	National Grange Mutual	$297
50s	National Grange Mutual	$302
60s	National Grange Mutual	$325
70s	National Grange Mutual	$446

Cheapest Car Insurance Rates for Teen Drivers in Cortland West,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Cortland West at $48 per month. At $3586 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$288	$48
American Family	$347	$59
NYCM	$581	$98
Progressive	$919	$155
New York Central Mutual Fire	$1002	$167
USAA	$1839	$310
Nationwide	$2402	$400
Travelers	$2973	$501
Allstate	$3216	$541
State Farm	$3586	$604

Teen Car Insurance Rates in NY by Age

Way Tip

If you are in your twenties National Grange Mutual is the best choice for car insurance in Cortland West.

As young drivers face the highest rates in Cortland West, National Grange Mutual offers the cheapest auto insurance rates at $434 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Cortland West, Chubb is the cheapest car insurance provider. At $618 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Cortland West is Progressive, offering rates of around $3984 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$618	$103
Kemper	$645	$109
Nationwide	$832	$139
USAA	$1153	$196
NYCM	$1203	$200
Erie	$1304	$222
American Family	$1532	$256
Allstate	$1568	$264
State Farm	$1624	$273
Mercury	$1907	$324
Travelers	$1948	$328
Progressive	$3984	$671

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Cortland West.

Car Insurance Rates with An Accident in Cortland West

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Cortland West, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cortland West

The cheapest car insurance companies after an at-fault accident in Cortland West include Kemper and American Family, offering $357 and $366, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $444.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$357	$59
American Family	$366	$62
NYCM	$444	$75
Erie	$485	$82
Chubb	$535	$89
Progressive	$585	$99
New York Central Mutual Fire	$677	$113
USAA	$727	$122
Nationwide	$1093	$182
Allstate	$1103	$186
State Farm	$1331	$224
Travelers	$1354	$228
Utica National	$439	$75
Preferred Mutual	$444	$74

Cortland West Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cortland West NY. For example, the car insurance in Cortland West after a DUI increases to $549 for a six month policy. While the rate increases by $87 for a six-month policy in the case of a speeding ticket.

Cortland West auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$965	$161
One Med/PIP claim	$965	$164
One comp claim	$974	$162
Two comp claims	$983	$167
Two Med/PIP claims	$983	$164
Not-at-fault accident	$988	$168
Failure to show documents	$1002	$167
Failure to wear a seat belt	$1006	$171
Driving with expired registration	$1016	$169
At-fault accident - less than $1000	$1020	$173
Cell phone violation	$1020	$170
Child safety restraint	$1020	$173
Driving without lights	$1020	$170
Failure to stop at a red light	$1020	$173
Failure to yield	$1020	$170
Following too closely	$1020	$173
Illegal turn	$1020	$170
Improper passing	$1020	$173
Passing school bus	$1020	$170
Texting while driving	$1020	$173
Wrong way/wrong lane	$1020	$170
Driving too slowly	$1029	$175
Speeding in school zone	$1029	$172
At-fault accident - $1000-$2000	$1033	$176
Speeding 11 - 15 MPH over limit	$1052	$176
Speeding 6 - 10 MPH over limit	$1052	$179
Operating a vehicle without permission	$1070	$179
Open container	$1084	$184
In 65 MPH zone	$1130	$189
Speeding 16 - 20 MPH over limit	$1143	$195
Speeding 21 - 25 MPH over limit	$1184	$197
At-fault accident - greater than $2000	$1276	$217
Reckless driving	$1363	$227
Racing	$1418	$241
Driving with a suspended license	$1468	$245
Refusal to submit to a chemical test	$1500	$255
DUI	$1514	$253
Leaving scene of an accident/hit and run	$1537	$261

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Cortland West after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Cortland West.

The cheapest car insurance premiums in Cortland West are offered by American Family at $347 for a six-month policy. However, it can be as expensive as $1551 with companies like State Farm.

Cortland West car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$347	$59
Kemper	$366	$62
Progressive	$444	$75
NYCM	$558	$94
New York Central Mutual Fire	$823	$137
USAA	$878	$148
Allstate	$1304	$219
Travelers	$1340	$226
Nationwide	$1358	$226
State Farm	$1551	$261

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Cortland West are offered by American Family at $306. However, it can be as expensive as $1573 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cortland West after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$306	$52
Kemper	$306	$51
Progressive	$380	$64
NYCM	$507	$85
USAA	$691	$118
Nationwide	$952	$159
State Farm	$1029	$175
Travelers	$1505	$251
Allstate	$1573	$267

Car Insurance Price Trends in Cortland West, New York

Car insurance rates in Cortland West have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Cortland West dipped by $190 in December compared to $191 of November. In other words, there has been an decrease by $1 when you compare December and November.

The average cost of liability insurance in the Cortland West dipped to $65 in December, compared to $68 in November. This represents an decrease of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Cortland West?

The car insurance in Cortland West is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Cortland West?

The cheapest car insurance in Cortland West is $72 per month for full coverage.

How much is car insurance in Cortland West for teenagers?

Car insurance for teenagers costs $288 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Cortland West?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $133 per month to insure your car in Cortland West.

Is car insurance expensive in Cortland West?

Car insurance can be expensive in Cortland West if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Cortland West can be affordable.

Cheapest Car Insurance Quotes in Cortland West

Why you can trust Way?

How Much Is Car Insurance in Cortland West

Avg. Car Insurance in Cortland West

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Cortland West

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Cortland West Car Insurance Rates by Company

Cheap Car Insurance Companies in Cortland West, NY

Way's key takeaways about car insurance in Cortland West

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cortland West

Cheapest Liability Coverage in Cortland West, NY

Cheapest Full Coverage Car Insurance in Cortland West

Cheapest Full Coverage Car Insurance Quotes in Cortland West, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cortland West by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Cortland West, NY increasing?

Car Insurance Premiums by Age in Cortland West

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cortland West,NY

If you are in your twenties National Grange Mutual is the best choice for car insurance in Cortland West.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Cortland West

Cheapest Car Insurance Companies after an At-Fault Accident in Cortland West

Cortland West Car Insurance Rates by Violation

Cortland West auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cortland West after a DUI

Cortland West car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cortland West after Speeding ticket

Car Insurance Price Trends in Cortland West, New York

Average Car Insurance Cost in Cortland West by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cortland West, NY

Car Insurance Rates by State in the USA (2025 Update)

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